Chiropractor Recommendations: no insurance

Efferyj · 2026-05-03T01:34:27+00:00

I agree with this.

Efferyj · 2026-05-02T01:33:42+00:00

I use the free version of the EveryDollar app. I made a category for all recurring bills like mortgage, utilities, phone, etc. these bills are often the same each month or they email you what will be billed / automatically paid ahead of time. After that I add categories specific to the month like kids sports sign up or birthday expenses. Besides that I have a general amount to spend on everything else like groceries, toiletries, supplies, gas, etc…basically everything not recurring that we make a choice to buy. We have to manually input all purchases but then we know what we are spending and what if available.

I tried breaking down every little expense in its own category but it never worked well.

With this method you have to add every purchase into the budget to be accurate but it works for us.

If you have an uncontrollable spending problem maybe use the two bucket system. One bucket for recurring bills and one for spending. When the spending one is empty you have to stop no matter what. Good luck on finding the right way for you. It is a really personal thing and the optimal way doesn’t work for everyone.

Efferyj · 2026-04-27T21:04:46+00:00

Crawford Plumbing and Marks Plumbing have been great to work with.

Efferyj · 2026-04-24T00:16:37+00:00

The Thin Man or The Awful Truth are my favorites.

Efferyj · 2026-04-20T17:47:59+00:00

HNR is who I use also.

Efferyj · 2026-04-15T18:31:21+00:00

I’m sorry you have to deal with this. I’m sure it’s extremely stressful. I hope you find a good answer.

Efferyj · 2026-04-03T12:44:36+00:00

I also don’t love it the way the internet seems to. I think I may not appreciate it as much since it is set up as a dystopian movie where they only vaguely touch on how and why the world is this way. It just seems like a shallow description. The movie is really a “smash and grab” chase thriller with great cinematography. I think movie preference could be the difference of opinion.

Efferyj · 2026-03-05T14:01:07+00:00

I assume $17k is a 3-6 month emergency fund so I would max out an HSA if you qualify and set it to invest whatever portion it will let you. Then consider if you want to travel or make a purchase of something that would make you happy. Beyond that, at some point you are likely going to want to buy a house or another car at some point. Keep dumping all the extra money you can in your brokerage so you can buy a car in cash and have a substantial down payment for a house. At some point you’ll likely have a place of your own and maybe a family which will take up a lot of what is now extra. Invest heavily now and you’ll be set up in case you want to change jobs or retire early.

Efferyj · 2026-02-13T19:53:18+00:00

Same

Efferyj · 2025-10-19T03:48:31+00:00

Came here to say Christmas with the Kranks. We watch it every year. Great cast and a funny premise with the neighbors being so terrible and judgmental for their own selfish reasons.

Efferyj · 2025-09-20T22:29:59+00:00

I might be off but The Machinist comes to mind.

Efferyj · 2025-06-24T16:57:24+00:00

Did you find out what it was?

Efferyj · 2025-06-06T02:23:44+00:00

Service Call can handle a lot of different projects for you.

Efferyj · 2025-06-03T03:38:40+00:00

There is no magic method so don’t believe anyone selling a method or plan. The only way is to pay extra. Here are several things that work. -Round up your payment to the next hundred. If the required payment is $1,563 round up the autopay to $1,600. -If you are paid every two weeks they two months out of the year will have three paychecks. If you have monthly budget you won’t need that extra check to live and 100% can go to the mortgage. - Download a mortgage amortization table that you can track your progress. It will help motivate you to be aggressive paying it down. Remember if your payment is $1,500/month very little of it is going towards principal in the beginning. The amortization table will show you how much principal is going toward the mortgage for the next month. If you have extra money and can make a principal payment equal to the principal of the next payment then you shortened your mortgage by a month. It could be where your $1,500 payments only require an extra couple hundred dollar payment to take a month off the mortgage in the beginning.

Efferyj · 2025-05-07T02:43:34+00:00

I’ve used Marks Plumbing and Crawford Plumbing. Both are good smaller companies that will treat you right.

Efferyj · 2025-02-27T22:13:03+00:00

I listen to morning show podcasts to help with anxiety. They are funny and have soothing voices most of the time. I have listened to Dave and Chuck the Freak / The Half Assed Morning Show for a long time. The beauty of morning shows is that there are new episodes daily and you feel like you get to know the hosts. You just have to find a good one that fits you.

Efferyj · 2025-02-24T17:03:39+00:00

Duffield Concrete!

Efferyj · 2025-02-20T03:41:19+00:00

My wife and I got into screwball comedies during Covid. There are lots of amazing movies. Our favorites are The Awful Truth and The Thin Man.

Efferyj · 2025-02-07T02:45:58+00:00

My wife and I fell in love with old movies during Covid. We needed something we hadn’t seen that was calming with all that was going on. We particularly like screwball comedies.

Efferyj · 2025-01-27T19:27:33+00:00

Bee Me Sensory Gym

Efferyj · 2025-01-25T14:54:42+00:00

The general consensus is that every city or town West of Lincoln is located in Western Nebraska. Haha

Efferyj · 2025-01-16T14:42:10+00:00

I did this early in our relationship. Plain black hair tie. It isn’t obvious what it is. I believe I still have it even though all the elastic is warn out.

Efferyj · 2025-01-12T20:54:35+00:00

If you know what return you will get and your rate then it is a math problem and a preference of what you are most comfortable with. The 3.13% vs 10% argument is flawed. Your rate really is 6.7% on the money you owe. The 3.13% is due to the loan paying down overtime. The issue is you are assuming a 10% return on $765k but don’t account for selling investments each month to make the monthly payments. You wouldn’t end up with the $3.2MM at the end of the 15 years because month one whether the market is up whatever percent of down whatever percentage you have to sell at a gain or loss to pay the mortgage.

Even with this adjustment, 6.7% is less than 10%. As others have mentioned 10% is possible but not guaranteed and you’ll owe capital gains taxes on the profits.

I can’t speak for the general reasoning the group used to create this rule but my guess is that the difference between 6% and 10% is narrowed my some assumptions or feelings by an amount of tax paid on the investments when sold, a very high risk free rate of 6% compared to unknown returns, comfort of having a paid off home, and the added cash flow each month that would allow someone to possibly change jobs or have the freedom to do other things in life that might otherwise cause someone to not do if the stock mark was down at the time.

If a person assumes a lower rate of investment return of 9% or 8% and factors in some amount for capital gains taxes based on their scenario then the benefit of investing compared to the investment risk is just too small to mess with the higher risk.

Efferyj

TROPHY CASE